Asynchronous Temporal Models
ATOM in Personal Banking
NOMI, RBC’s award winning product for personal banking, includes a suite of AI tools that help clients better manage their finances. For example, NOMI has the ability to recommend bill payees using customized predictions on our clients’ individual needs. In addition, NOMI Forecast predicts upcoming debits and credits to/from accounts, assisting clients in understanding future cash flows. Most recently, NOMI’s bill-reversal engine, warns clients about having manually input bill payment transactions that seem erroneous. This suite of AI-powered services, rooted in ATOM Foundation Models, work synergistically and in the background of everyday banking interactions.
At its core, NOMI’s predictive capabilities follow the ATOM paradigm, analyzing transaction sequences to build a representation of a client’s transacting behaviour. Whether these are common bill payees, patterns of payroll deposits, subscription service payments, or the typical amounts of Interac e-transfers, ATOM can learn representations that can be used to make helpful predictions to aid our clients.
Select ATOM Publications
Ranking Regularization for Critical Rare Classes: Minimizing False Positives at a High True Positive Rate
RankSim: Ranking Similarity Regularization for Deep Imbalanced Regression
Self-Supervised Time Series Representation Learning with Temporal-Instance Similarity Distillation
Training a Vision Transformer from scratch in less than 24 hours with 1 GPU
Introducing ATOM: Borealis AI’s research focus on Asynchronous Temporal Models
Real Talk: How Generative AI Could Close Canada’s Productivity Gap and Reshape the Workplace—Lessons From the Innovation Economy